Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Please excuse me if I'm a little off course here but I'm new to all this.
I took out a Bank of Scotland loan in 1999 and they added a PPI to the loan as 'part of the offer' and sometime after I had some problems and they defaulted me and passed the loan to a collections company which I have since found out is actually part of the Bank. More recently I took out a dmp and BOS have moved the account back to my bank and started sending me statements etc.
I heard about the PPI reclaim and asked them for a copy of my original contract etc over 11 months ago with no reply (but they did cash the £10 cheque I sent them), finally I kept calling them and someone sent me a single page copy showing the agreement.
It cost me £3435.08 for the PPI and £2061.05 in interest so a total of £5496.13 for something that I never wanted and after the first five years was useless if I understand this correctly.
Is it too late to claim? Anyone have any words of advice?
May also be a good idea to have a read of the other stickys at the top of the PPI forum and some of the threads in this forum to give you a good idea of what is involved in getting your money back.
There are also template letters in the stickys which you can edit to suit your needs.
Help, No Hope for Claim?
loan in 1999 and they added a PPI to the loan as 'part of the offer' and sometime after I had some problems and they defaulted me and passed the loan to a collections company which I have since found out is actually part of the Bank. More recently I took out a dmp
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Re: Help, No Hope for Claim?
